U-Haul Holding (UHAL) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

U-Haul Holding

NYSE•Industrials•Rental & Leasing Services

$63.34-0.25(<0.01%)After hours

Market Cap

$12.60B

P/E

28.0x

P/S

1.0x

P/B

1.7x

U-Haul Holding Company operates as a do-it-yourself moving and storage operator for household and commercial goods in the United States and Canada. It operates through three segments: Moving and Storage, Property and Casualty Insurance, and Life Insurance. It rents trucks, trailers, fixed and portable moving and storage units, specialty rental items, and self-storage spaces primarily to the household movers; and sells moving supplies, towing accessories, and propane. The company provides uhaul.com, an online marketplace that connects consumers to independent moving help service providers and independent self-storage affiliates; auto transport and toy hauler, and tow dolly options to transport the vehicles; and specialty boxes for dishes, computers, flat screen television, tapes, security locks, and packing supplies. In addition, it rents self-moving products and services through a network of managed retail stores and independent U-Haul dealers, and rents equipment. Further, the company provides moving and storage protection packages, such as Safemove and Safetow packages, which offer moving and towing customers with a damage waiver, cargo protection, and medical and life insurance coverage; Safestor that protects storage and U-Box customers from loss on their goods in storage; Safehaul, which protect customers' belongings in transit through its U-Box portable moving and storage units; Safemove Plus, which provides rental customers with a layer of primary liability protection; Safetrip, a supplemental roadside protection for the customers equipment; and loss adjusting and claims handling services. Additionally, it offers life and health insurance products to senior market through direct writing and reinsuring of life insurance, Medicare supplement, and annuity policies. The company was formerly known as AMERCO and changed its name to U-Haul Holding Company in December 2022. U-Haul Holding Company was founded in 1945 and is based in Reno, Nevada.

How this company scores

WeakMetricSide Score: 28/100

Strongest: Growth (13/25); weakest: Cash & Earnings Quality (0/25).

Profitability8/25

Growth13/25

Balance Sheet & Red Flags7/25

Cash & Earnings Quality0/25

Strengths

Growing revenue

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 28.0x5y range 7.5x – 28.0x

Currently above its 12-quarter median.

P/S · 1.0x5y range 1.0x – 2.4x

Currently below its 12-quarter median.

P/B · 1.7x5y range 1.3x – 1.9x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 62.8% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Red Flag

Free cash flow has been negative in 8 of the last 8 quarters — earnings are not translating to cash.

Price & Volume

Market Cap $12.60B

Metrics at a Glance

as of March 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $12.96B
Q. Revenue: $6.04B
TTM EBITDA: $3.56B
TTM Op. Income: $1.11B
Q. Op. Income: $432.62M
TTM Net Income: $449.36M
Q. Net Income: $83.13M
EPS: N/A
Shares Out.: $196.08M

$12.96B in TTM revenue grew 126.7% YoY, reaching $6.04B last quarter. TTM EBITDA of $3.56B and TTM operating income of $1.11B show growth is flowing through to the bottom line. TTM net income of $449.36M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 3 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 95.9%
EBITDA Margin: 26.8%
Op. Margin: 7.2%
Net Margin: 1.4%

Op. margin of 7.2% is down 7.6% YoY — costs are rising relative to revenue. Net margin at 1.4% and gross margin of 95.9% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 51% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 28.0x
P/S Ratio: 1.0x
P/B Ratio: 1.7x

At 28.0x P/E, the stock trades within typical market levels. P/S of 1.0x and P/B of 1.7x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $21.50B
Cash: $1.12B
Long-Term Debt: $8.12B
Book Value: $7.61B
D/E Ratio: 1.1
Debt/EBITDA: 5.0

With $21.50B in assets and $8.12B in long-term debt, D/E is 1.1and book value is $7.61B — moderate leverage. Across the last 8 quarters, debt/equity has risen for 3 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $1.79B
TTM Free Cash Flow: $-3.69B
FCF Margin: -28.4%
FCF / Net Income: -8.2

TTM FCF of $-3.69B on $1.79B in operating cash flow. The FCF / Net Income ratio of -8.2x means the business consumes cash — it is not yet self-funding. Across the last 8 quarters, free cash flow has fallen for 3 consecutive quarters — a weakening trend.